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916-223-6257     Personal, no call center.

Good Planning is Intentional. We are here to help. Up to date information you can trust from:

Individual, Family & Certified Senior Advisor, Richard Carter, CA lic.#0549168 is local to  Roseville, Sacramento, & Rocklin, does business statewide with over 25  years experience as a California Life & Health Insurance Agent. Richard is author of "Buy term and invest the difference the Universal way" and case studies on Long term care insurance solutions. No obligation Life , Health and high Income planning for individuals business owners and seniors statewide in California.  The best in life and affordable health insurance options.

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* a typcial needs analysis totals your debt, like a mortgage plus 3-5 years of iannual income minus assets that your beneficiary might liquidate.

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